Working Capital for Manufacturing
Keep your production lines running. Quick access to capital for raw materials, payroll, operational expenses, and bridging the gap between production and customer payment. Manufacturing runs on cash flow.
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Manufacturing Cash Flow Realities
Manufacturing creates inherent cash flow gaps. You pay for materials and labor today, produce goods over days or weeks, ship to customers, then wait 30-90 days for payment. Working capital bridges these gaps.
Extended Payment Cycles
Manufacturers typically wait 45-90 days for customer payment. Meanwhile, material costs are due in 30 days and payroll is weekly or biweekly.
Material Cost Timing
Raw materials often represent 40-60% of production cost. Suppliers want payment in 30 days while customers pay in 60-90 days.
Seasonal Production Demands
Many manufacturers see 40-60% of annual revenue in peak seasons. Production ramps up months before sales arrive.
Large Order Cash Requirements
A single large order can require $50,000 to $500,000 in material and labor costs before any payment is received.
Manufacturing Cash Flow Challenges
The gap between production costs and customer payment creates working capital needs.
Long Payment Cycles
You produce goods today but do not get paid for 30-90 days. Raw materials and payroll cannot wait for customer payment.
Raw Material Costs
Materials must be purchased upfront. Large orders require significant capital investment before you see any revenue.
Seasonal Demand
Production ramps up before peak seasons, requiring capital investment months before sales arrive.
Payroll Consistency
Your skilled workforce expects consistent pay regardless of whether customers have paid their invoices.
Large Order Opportunities
Big orders from major customers require big capital outlays. Missing orders because of cash means lost growth.
Equipment Maintenance
Production equipment needs repairs and maintenance. Downtime costs money. Repairs cannot wait for cash flow.
Fast Funding for Manufacturers
Simple process designed for busy manufacturing operations.
Quick Application
10-minute application with basic company information and revenue data.
10 minutes
Manufacturing Review
We evaluate your manufacturing business with understanding of production cycles and payment timing.
Hours
Funding Offer
Receive your funding offer with clear terms. No hidden fees or surprises.
Same day
Funds Deposited
Accept your offer and receive funds directly to your business account.
Same day
Capital to Keep Production Moving
Our working capital loans are designed for the unique cash flow cycle of manufacturers and distributors. Fast access to funds for materials, payroll, and operations so production never stops.
Raw Material Purchases
Buy materials to fulfill orders without depleting operating reserves or missing supplier discounts.
Meet Payroll
Your skilled workforce expects consistent pay regardless of customer payment timing.
Seasonal Ramp-Up
Scale production before peak demand periods with capital to match seasonal needs.
Large Order Fulfillment
Accept big orders from major customers without worrying about cash to produce them.
Equipment Maintenance
Keep machinery running with funds for repairs, maintenance, and unexpected breakdowns.
Fast Funding
Manufacturing cannot wait weeks for bank approval. Get funded when you need it.
Manufacturing Working Capital Uses
How manufacturers use working capital to maintain and grow operations.
Raw Material Purchase
Buy materials for large orders or stock up before price increases and supply shortages.
Typical funding: $50K-$300K
Payroll Bridge
Cover payroll during the gap between production completion and customer payment.
Typical funding: $30K-$200K
Seasonal Production
Ramp up production for peak seasons with capital for materials, overtime, and temporary staff.
Typical funding: $50K-$500K
Large Order Fulfillment
Accept major orders requiring significant upfront investment in materials and labor.
Typical funding: $75K-$500K
Equipment Repairs
Emergency repairs to keep production lines running without downtime.
Typical funding: $15K-$100K
Utility and Overhead
Cover utility bills, rent, and overhead during slower periods or growth phases.
Typical funding: $25K-$150K
Working Capital Options for Manufacturers
Compare working capital solutions for manufacturing operations.
| Feature | Working Capital Loan | Bank Term Loan | Invoice Financing |
|---|---|---|---|
| Funding Amount | $25K-$1M | $100K-$1M | Based on invoices |
| Time to Fund | Same day | 2-6 weeks | 24-48 hours |
| Collateral Required | None | Often required | Invoices |
| Use Restrictions | None | May have limits | General |
| Manufacturing Focus | Yes | General | AR focused |
| Approval Rate | High | Moderate | High |
| Documentation | Light | Extensive | Moderate |
| Best For | General needs | Major investment | AR acceleration |
Manufacturing Working Capital Requirements
Basic requirements for manufacturing working capital loans.
Operating Manufacturer
Active manufacturing or distribution operation with established revenue.
6+ months in operation
Monthly Revenue
Demonstrated monthly revenue from manufacturing operations.
$25,000+ monthly
Bank Statements
Recent business bank statements showing operations and deposits.
3-6 months statements
Owner Credit
Personal credit of business owners considered. Business performance is primary factor.
550+ credit score
Business Banking
Active business bank account for deposits and funding.
Business checking
Legal Business Entity
Registered business entity in good standing.
LLC, Corp, etc.
Manufacturers with strong revenue and customer contracts can qualify even with limited operating history or credit challenges.
Real Results
Precision Metal Works
Metal Fabrication, Ohio
The Challenge
The company received a $400,000 order from an automotive supplier but needed $180,000 upfront for steel and aluminum. Payment terms were Net 60. Bank loan would take 4 weeks and the material supplier needed payment in 10 days.
The Solution
Working capital loan for $200,000 funded within 48 hours. Used for material purchase plus buffer for overtime labor costs during production.
The Result
Order completed on schedule. Customer paid at Net 55 days. The successful order led to a $1.2M annual contract with the automotive supplier. Working capital loan repaid in full from the initial payment.
“The bank said 4 weeks minimum. Our material supplier said 10 days or they would sell the steel to someone else. This funding saved the order and led to our biggest customer relationship.”
Manufacturing Working Capital Data
Statistics on working capital needs in manufacturing.
Working Capital Benefits for Manufacturers
How working capital loans support manufacturing operations.
Order Acceptance
Accept large orders from major customers without worrying about capital to fulfill them.
Supplier Relationships
Pay suppliers on time or early to maintain relationships and access to materials.
Bulk Discounts
Buy materials in bulk to capture volume discounts when cash would otherwise be tight.
Production Continuity
Keep production running during payment gaps without cutting staff or output.
Growth Enablement
Fund growth opportunities without waiting for cash flow to catch up.
Emergency Response
Handle equipment breakdowns, supply disruptions, or urgent orders quickly.